1. Once someone is in default on a loan that was used to purchase a car, can a creditorï¿½under the law in most statesï¿½repossess the car at any hour, even without prior notice?
2. May a creditor or the creditor's agent come onto the debtor's private property in order to repossess the car?
3. Can the creditor keep the car or even resell it? If the creditor resells the car but does not recover the entire cost of the debt, what can the creditor do to obtain the difference? What is a deficiency judgment?
4. If other valuable items of personal property were in the car at the time of the repossession, can the creditor keep the items or resell them to satisfy the debt?